Germany’s leading employer association, the Bundesvereinigung der Deutschen Arbeitgeberverbände (BDA), is advocating for a new approach to healthcare funding and systemic reform, citing increasing financial pressures on the statutory health insurance system. In comments to Politico, BDA Chief Executive Steffen Kampeter proposed the implementation of a co-pay for all doctor’s visits as a mechanism to improve patient guidance and reduce unnecessary healthcare utilization.
Kampeter argued that a small fee could discourage patients from seeking medical attention for non-essential issues, thereby alleviating strain on the system. He emphasized the intention isn’t primarily revenue generation, but rather to curtail ‘doctor shopping’ and encourage more efficient use of medical resources. He suggested a standardized initial assessment could also help direct patients to the most appropriate specialist, streamlining the process.
The BDA’s call for a co-pay aligns with broader demands for fundamental adjustments to social spending. Kampeter asserted that growth in social welfare programs has outpaced the country’s economic capacity, creating a long-term sustainability issue. He characterized the current state of the social welfare system as approaching insolvency, accusing the government of delaying necessary action.
Specifically, Kampeter leveled criticism at the established pension policies of the governing coalition. He described current measures, including commitments to maintain a pension level of 48% and expand mothers’ pensions, as superficial. He expressed concern that crucial decisions are being relegated to commissions without creative or substantial solutions, stating that the composition of these commissions often lacks the necessary expertise to address the underlying problems effectively.